I'm going to be 55 next year, so entering the front end of what I'd consider the normal retirement range. I'm self employed, so no lifetime pension. My financial security will be 100% tied to personal savings and investments. Of course, there are many calculators out there to project the numbers, but all rely on a lot of guessing as to future inflation, rates of return, longevity, etc. The only safe option is to work until you die, but that doesn't seem like a fun idea.
How did you make the decision? When did you say "that's enough, I want to relax and play with my tractor"?